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Chase Sapphire Preferred Card vs. Hilton Surpass Card [Detailed Comparison]

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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If you enjoy traveling but hate spending a fortune, securing a rewards-earning credit card to help offset travel expenses is a logical consideration. Whether you’re looking to cover the cost of flights, lodging, or even experiences, a travel rewards card or hotel-branded card can help you achieve that objective.

Today’s comparison looks at 2 popular cards that are perfect examples of a travel rewards card and a hotel-branded card that offer much more value than just earning rewards to use for travel.

The Chase Sapphire Preferred® Card and Hilton Honors American Express Surpass® Card have elevated earnings on common purchases, plus flexible options at redemption time. Additionally, the cards come with travel insurance benefits, money-saving statement credits, and purchase protections.

With so many features and benefits, you’re probably wondering which card is better.

We’re happy to help you with that decision by providing all the needed information in today’s article.

Chase Sapphire Preferred Card vs. Hilton Surpass Card — Overview

We’ll get into all the details of the Chase Sapphire Preferred card and Hilton Surpass card coming up next.

It can be helpful to first look at a side-by-side comparison of how the cards compare overall. Here’s a quick breakdown of the features and benefits of the 2 featured cards:

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Feature or BenefitChase Sapphire Preferred® CardThe Hilton Honors American Express Surpass® Card
Welcome OfferEarn 60,000 points after spending $4,000 on purchases in the first 3 months.Earn 155,000 points after spending $3,000 in purchases in the first 6 months
Top Earning Categories
  • 5x points on travel via Chase Travel and on Lyft rides
  • 3x points on dining
  • 2x points on all other travel, select streaming services, online groceries
  • 10% annual points bonus
  • 12x points at Hilton hotels and resorts
  • 6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points at U.S. online retail purchases
  • 3x points on Lyft rides
Top Redemption OptionsRedeem points for 1.25 cents each for travel via Chase Travel, transfer points to airline/hotel partnersFree Hilton hotel nights, fifth night free
Top Travel Protections and BenefitsCar rental insurance, trip cancellation/interruption, annual $50 hotel creditCar rental insurance, Hilton Honors Gold elite status, up to $200 hotel credits
Top Shopping Protections and BenefitsPurchase protection, extended warranty, shopping offers
Annual Fees and Authorized Users
  • Annual fee of $95
  • No fee to add authorized users

The Value of a Welcome Bonus

The opportunity to earn significant rewards in a short time is one compelling reason for selecting a travel rewards card. The Chase Sapphire Preferred card and the Hilton Surpass card come with welcome offers that allow you to do just that!

After meeting minimum spending requirements within the specified period immediately following approval, you’ll earn a welcome bonus, potentially worth hundreds of dollars in travel.

Here are the most current offers, plus more card information for each of our featured cards:

POPULAR FIRST CARD
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Travel portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

NEW OFFER
Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

Hilton Honors American Express Surpass® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Hilton Honors American Express Surpass® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership
155,000 points
$775
$150
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros

  • 12x points per $1 at Hilton hotels
  • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees (rates & fees)

Cons

  • Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

Bottom Line:

The Chase Sapphire Preferred card and the Hilton Surpass card each come with a generous welcome bonus that can be earned by meeting minimum spending requirements.

Earning Potential

Women dining at restaurant taking picture
Earning points on everyday purchases can help rewards accumulate quickly. Image Credit: Faces of Travel via Adobe Stock

The Chase Sapphire Preferred card earns flexible Ultimate Rewards points, while the Hilton Surpass card earns valuable Hilton Honors points.

A key attribute of these 2 rewards cards is earning well on travel-related purchases. In addition, both cards have several bonus-earning categories that include everyday purchases. Earning well on purchases you make frequently helps you accumulate rewards faster.

Let’s look closer at how you’ll earn rewards on each of our featured cards:

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Earning CategoryChase Sapphire Preferred® CardThe Hilton Honors American Express Surpass® Card

Travel

  • 5x points on travel purchased via Chase Travel 
  • 5x points on Lyft rides through March 2025
  • 5x points on qualifying Peloton purchases over $150 through March 2025 (maximum $25,000 in purchases)
  • 2x points on all other travel
  • 12x points at Hilton hotels and resorts
  • 3x points on all other travel
  • 3x points on Lyft rides (registration required)
Dining3x points for restaurants, eligible delivery services, and takeout6x points at U.S. restaurants
Select Streaming Services3x points3x points
Supermarkets2x points for online grocery purchases6x points at U.S. supermarkets
Online Retail Purchases1x points4x points at U.S. online retail stores
Gas Stations1x points6x points at U.S. gas stations
All Other Purchases1x points3x points

Both the Chase Sapphire Preferred card and Hilton Surpass card have robust earning structures that focus on rewarding travel and select everyday purchases.

If you are comfortable purchasing travel via Chase Travel and spend a lot on Lyft rides, dining, online groceries, select streaming, and travel in general, the Chase Sapphire Preferred card will work well. Also, note that the card offers a 10% point bonus each year based on the total points you’ve earned.

Earning with the Hilton Surpass card makes sense if you’re spending at Hilton globally, dining, gas stations, and supermarkets (in the U.S.).

And, while you’ll have no trouble creating a fine stash of rewards with either card, the value you receive at redemption time may matter most.

Let’s review your choices when it’s time to redeem rewards and see how value plays an important role in your card selection.

Bottom Line:

The Chase Sapphire Preferred card earns rewards best on travel purchased via Chase Travel. The Chase Sapphire Preferred card and Hilton Surpass card both earn well on general travel purchases and select everyday categories.

Redemption Options

Hilton Pensacola Beach amenities pool view
Whether it’s a business class flight to Europe or a room at Hilton Pensacola Beach with a view, rewards points can help make it happen. Image Credit: Jessica Merritt

Once you’ve used your Chase Sapphire Preferred card or Hilton Surpass card for purchases and accumulated points, it’s time to get excited about redeeming those rewards.

Ultimate Rewards points earned on the Chase Sapphire Preferred card and Hilton Honors points earned on the Hilton Surpass card are valuable rewards currencies. However, values will vary at redemption time.

The actual value you receive will depend on the redemption option you select — so you’ll want to choose wisely. Before we touch on redemption examples, here are the options for redeeming rewards earned on each card:

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Redemption OptionChase Sapphire Preferred® CardThe Hilton Honors American Express Surpass® Card
Travel
  • Redeem points for 1.25 cents per point for travel via Chase Travel
  • Transfer points to airline or hotel partners for flights or free hotel nights
  • Redeem points for 1 cent each toward a statement credit for previous travel purchases
  • Redeem points for free hotel nights
  • Redeem points for car rentals
  • Transfer points to airline partners to redeem for award flights
Statement CreditsRedeem points for 1 cent each for a general statement credit, Pay Yourself BackN/A
Additional Redemption OptionsShopping at select retailers, gift cards, experiences, Amazon, Apple Products, charitable donationShopping at select retailers, Ticketmaster, Amazon, Lyft rides, car rentals, charitable donation

The redemption options with the greatest potential for outsized value are to transfer Ultimate Rewards points to airline/hotel partners or to redeem Hilton Honors points for free hotel nights.

Redeeming Ultimate Rewards Points

We value Ultimate Rewards points at approximately 2.0 cents each. You can use this guideline as a benchmark when redeeming your points.

For example, if you transfer 100,000 Ultimate Rewards points to an airline partner and redeem the subsequent miles for a flight that costs $2,500, you will have received 2.5 cents in value for each point.

Hyatt is known for delivering good value when transferring Ultimate Rewards points to the World of Hyatt loyalty program. Checking the Hyatt Regency at Los Angeles Airport, the per-night rate can exceed $300 with taxes/fees. Since Ultimate Rewards points transfer at a ratio of 1:1 to Hyatt, you would need just 12,000 Ultimate Rewards points to book the hotel, which is also a 2.5 cent per point value.

Additionally, you can redeem Ultimate Rewards points via Chase Travel for 1.25 cents each.

Redeeming Hilton Honors Points

While we value Hilton Honors points at just 0.5 cents each, there is still great value to be found when redeeming Hilton Honors points for hotel nights.

One key benefit of having the Hilton Surpass card is that the card comes with Hilton Honors Gold elite status. Elite status members can use points to book award hotel nights and receive a night free when booking 5 consecutive nights.

To illustrate this value, we looked at the Iceland Parliament Hotel, Curio Collection, in Reykjavik, Iceland, for a 5-night stay during June. The cash price for a king room totals $2,914 (400,900 Icelandic króna). To book the 5-night stay with Hilton Honors points, you would pay for just 4 nights for a total of 320,000 points (80,000 points per night). That’s a total of just $1,600 worth of points when using a valuation of 0.5 cents per point, but you’ll get over 0.9 cents per point in value!

Even without using the fifth-night-free benefit, you’ll find plenty of value in redeeming Hilton Honors points for free hotel nights.

You can also transfer Hilton Honors points to airline programs, but the transfer ratio can be 10:1, which is not a good value for your points.

Bottom Line:

The best potential value for Ultimate Rewards points earned on the Chase Sapphire Preferred card is to transfer points to airline/hotel partners. You can also redeem points for 1.25 cents each via Chase Travel. The best value for Hilton Honors points earned on the Hilton Surpass card is to redeem them for free hotel nights.

Travel Protections and Benefits

Hilton Garden Inn Waikiki Beach valet rental car
Rent a vehicle with peace of mind during your travels, knowing you have car rental insurance on your card. Image Credit: Chris Hassan

Travel protections come complimentary with the Chase Sapphire Preferred card and Hilton Surpass card. These protections can reimburse unexpected or prepaid travel expenses when your trip is disrupted or needs to be canceled for a covered reason.

Travel benefits can make your trip more comfortable or help you save money on travel-related purchases.

First, we’ll review the top travel protections and benefits that come with both of our featured cards. We’ll then tell you about those that are unique to each card.

  • Car Rental Insurance — Reserve and pay for your car rental with your card, decline the rental agency’s CDW/LDW coverage, and receive car rental insurance.
    • Chase Sapphire Preferred Card — Receive primary car rental coverage. Primary coverage means you do not have to file a claim with any other applicable insurance before card coverage applies.
    • Hilton Surpass Card — The card comes with secondary car rental coverage with access to Premium Protection for 1 low fee ($12.95 to $24.95) for the entire rental period, up to 42 consecutive days.
  • Baggage Insurance — If your bags are damaged, lost, or stolen, you could receive up to $3,000 per person with the Chase Sapphire Preferred card or up to $1,250 per person with the Hilton Surpass card. Card coverage is secondary to any other applicable coverage.
  • No Foreign Transaction Fees — Both cards make great travel companions as you won’t be charged fees for transactions you make abroad.
  • Travel and Emergency Assistance — When traveling and something goes wrong, you can receive help 24/7 by using the dedicated assistance line. Receive assistance with translation services, arranging emergency transportation, replacing a lost passport, and more.
  • Car Rental Program Benefits — Receive discounts with Avis, Hertz, Budget, and Audi on demand through Visa Signature on the Chase Sapphire Preferred card. Enroll your Hilton Surpass card in National Car Rental’s Emerald Club and receive complimentary Emerald Club Executive status.

Chase Sapphire Preferred Card

  • Trip Cancellation and Trip Interruption — If you need to cancel your trip or your trip is disrupted due to a covered loss, you could receive reimbursement for eligible non-refundable trip expenses. Coverage limits are $10,000 per covered trip and $20,000 per card/account. Other terms and conditions apply.
  • Trip Delay — If your trip is delayed 12 hours or more or overnight, you could receive up to $500 per trip for eligible expenses.
  • Baggage Delay — If your bags are delayed 6 hours or more, you could receive up to $100 per day for eligible incidentals for up to 5 days.
  • Roadside Dispatch — When stranded roadside, 1 call and 1 set prearranged fee can get you back on the road again. Coverage includes limited towing, emergency fuel delivery, standard winching, lockout or jumpstart service, and tire changing of your inflated spare.
  • $50 Annual Hotel Credit — Use your card to book a hotel stay via Chase Travel and receive a $50 statement credit each year.
  • Luxury Hotel & Resort Collection Benefits — Reserve your stay via LHRC or Chase Travel and receive a variety of elite-style benefits that vary by property. Perks can include room upgrades, breakfast for 2, an on-site amenity credit worth $100 or more, complimentary Wi-Fi, and early check-in/late checkout.

Hilton Surpass Card

  • Hilton Honors Elite Status — Receive automatic Gold elite status with the card. Earn top Diamond elite status when you spend $40,000 on your card in a calendar year.
  • Free Night Certificate — Spend $15,000 on your card in a calendar year and receive a free hotel night certificate.
  • Quarterly Hotel Statement Credits — Use your enrolled card to pay during your stay at a Hilton property and receive up to $50 in statement credits each quarter. There is a limit of up to $200 in credits each year.
Bottom Line:

The Chase Sapphire Preferred card has a long list of travel insurance benefits, including primary car rental insurance and trip interruption/cancellation/delay coverage. The Hilton Surpass card has fewer travel insurance benefits but offers strong Hilton Honors-related benefits and a free night certificate after spending $15,000 annually.

Shopping Protections and Benefits

When you use the Chase Sapphire Preferred card or Hilton Surpass card for purchases, you could receive additional product protection and benefit from savings offers.

Here are the shopping protections and benefits you’ll find on our featured cards and those that are unique to each card:

  • Purchase Protection
    • The Chase Sapphire Preferred card offers damage and theft protection for up to 120 days from the purchase date, and limits are up to $500 per item and up to $50,000 per account.
    • The Hilton Surpass card offers damage and theft protection 90 days from the purchase date, with a $1,000 limit per eligible purchase and $50,000 per card account.
  • Extended Warranty
    • The Chase Sapphire Preferred card offers a 1-year extension for eligible items with manufacturer’s warranties of 3 years or less.
    • The Hilton Surpass card offers a 1-year extension for eligible items with manufacturer’s warranties of 5 years or less.

Chase Sapphire Preferred Card

  • DoorDash DashPass — Activate this offer by December 31, 2024, and receive a 1-year DoorDash DashPass. The pass comes with $0 delivery fees and reduced service fees.
  • Instacart+ Membership — Receive up to $15 in statement credits each quarter and complimentary Instacart+ membership for 6 months. Activate the offer in your online card account by July 31, 2024.
  • Chase Offers — Login to your online Chase card account and choose offers from select retailers and service providers. Add those offers to your card, make the associated purchase, and receive a statement credit.

Hilton Surpass Card

  • Amex Offers — Your online card account will list up to 100 Amex Offers that can save you money or help you earn additional Hilton Honors points. Add the offers you like to your card, make the required purchase, and receive a statement credit or additional rewards.
Bottom Line:

Eligible purchases made with either the Chase Sapphire Preferred card or the Hilton Surpass card could purchase protection and/or extended warranty coverage. Both cards also come with shopping discounts and offers for select purchases.

Annual Fees and Authorized Users

When considering any type of rewards card, it’s wise to be aware of any fees you’ll need to pay.

The Chase Sapphire Preferred card charges an annual fee of $95. The Hilton Surpass card has a fee of $150 (rates & fees).

Neither card charges a fee to add authorized users.

Final Thoughts

The Chase Sapphire Preferred card is one of the best value-based travel rewards cards available. First-time cardholders can learn quickly how to earn lots of Ultimate Rewards points. Redemption options are easy to utilize, and the card comes with a long list of travel insurance protections and benefits. With a lower annual fee, the card can be a great overall choice.

As a hotel-branded card, the Hilton Surpass card delivers a nice balance of elevated rewards earning, a fast path to earning free hotel nights, and Hilton-centric benefits. The card also sports a lower annual fee compared to the accompanying protections and benefits.

If you’re a Hilton loyalist, you might consider both cards. If you’re not a Hilton fan, the Chase Sapphire Preferred card is a good choice for a primary travel rewards card without a high annual fee.


For the car rental loss and damage insurance benefit of the Hilton Honors American Express Surpass® Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. For the baggage insurance plan benefit of the Hilton Honors American Express Surpass® Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of the Hilton Honors American Express Surpass® Card, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees for The Hilton Honors American Express Surpass® Card, click here.

Frequently Asked Questions

Which card is better, the Chase Sapphire Preferred card or the Hilton Surpass card?

The Chase Sapphire Preferred card is the better overall travel rewards card as it earns flexible and valuable Ultimate Rewards points. These points can be transferred to airline and hotel partners or redeemed via Chase Travel. The Hilton Surpass card offers great value for the Hilton loyalist who wants Hilton-centric benefits and rewards that can be redeemed for free hotel nights.

Can I redeem Hilton Honors points for flights?

Transferring Hilton Honors points to airline partners and purchasing award flights is possible, but it is not a good value for your points.

Does the Chase Sapphire Preferred card come with lounge access?

The Chase Sapphire Preferred card does not come with lounge access. The Chase Sapphire Reserve® comes with complimentary Priority Pass Select membership, which offers worldwide lounge access to over 1,500 properties.

Does the Hilton Surpass card come with a free night certificate?

You will need to spend $15,000 in a calendar year to receive a complimentary free night certificate.

Can I book hotel nights with Chase Ultimate Rewards points?

Yes, you can use Ultimate Rewards points to book hotel nights. When you use Chase Travel to redeem your points, you will receive 1.25 cents each toward purchasing a hotel stay. Keep in mind that you may not receive any associated hotel loyalty program perks when doing so. You can also book Luxury Hotel & Resorts Collection properties and receive elite-style perks.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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